Some states have developed these assigned risk systems to basically help drivers get covered that may have a hard time finding an insurer on the open market. (autos.com)
This is because they have their own risk system — i.e. your security deposit — to protect against a default or lack of payment. (videocreditscore.com)
As Harry Otway notes, whoever defines the limits of the technical risk system in public discourse, also defines who is being rational. (newscientist.com)